Primary General Liability and Excess Insurance

Fundamental Underwriters, a division of AF Group, specializes in providing General Liability and Excess Liability insurance solutions tailored for mid-sized to large insureds. Our focus is on complex, hard-to-place Excess and Surplus (E&S) risks. The General Liability product was launched in April 2024, followed by the Excess Liability product in March 2025. Both products are underwritten on Century Surety paper, leveraging Century Surety’s operational staff for policy issuance.

Our business model emphasizes strategic partnerships with a select group of appointed wholesale brokers. We offer a broad risk appetite, flexible underwriting, and extensive E&S expertise to deliver customized solutions. Fundamental Underwriters is committed to a limited distribution broker model, fostering strong relationships while maintaining an entrepreneurial approach to risk assessment and opportunity identification.

Limits 

  • Primary: Potential limits offered up to $2M/$4M/$4M for General Liability with attachments points from Guaranteed Cost up to $50,000 Deductibles and Self-Insured Retentions (SIR) as required
  • Excess: Up to $5M in excess capacity, quota-shared capabilities

Minimum Premiums

  • Primary Liability – $25k+
  • Excess Liability – $25k+

Minimum premiums vary by class of business and
individual risks

Target Industries

Hospitality

  • Hotels
  • Restaurants, dining and taverns
  • Banquet Halls
  • Country Clubs

Products and Manufacturing

  • Building Materials
  • Clothing and Apparel
  • Consumer and Non-Consumer Products
  • Machinery and Equipment
  • Metal Goods
  • Safety Products

Premises and Distribution

  • Office Buildings
  • Apartments
  • Warehouses
  • Shopping Centers

Out of Appetite

  • NYC – Five Borough business
  • Public Entities
  • Gentlemen’s Clubs and Nightclubs

Coverage Features

  • ISO-based and manuscript coverage forms used
  • Occurrence and claims-made
  • Liquor Liability – Can be offered with a General Liability policy with a preferred max limit of $1M/$1M and liquor sales percentage of 50% or less.

Insured Profile

We serve clients committed to proactive loss mitigation through robust loss control measures and/or attachment points at or above the frequency layer.

Distribution

Our distribution strategy centers on a carefully curated network of wholesale brokers producing business nationwide. As we expand our General Liability and Excess Liability divisions, we will strategically broaden our geographical broker footprint while preserving our commitment to limited distribution. Our approach combines disciplined underwriting with innovative risk analysis to address a diverse range of opportunities.

Fundamental Underwriters remains dedicated to delivering exceptional service, underwriting excellence, and sustainable growth in the E&S marketplace.

Contact Info

Justin Papineau
Managing Director – Casualty
[email protected]

Loss run requests
[email protected]